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30 Year Conventional Rates
Central Banc	4.875%	4.947% APR	.50% Fee
Bank of America	4.875%	4.993% APR	.625% Fee
Wells Fargo	4.875%	5.065% APR	1% Fee
Chase	5.0%	5.099% APR	1.25% Fee
FHA 30 Years Fixed
Central Banc	4.75%	5.298% APR	.90% Fee
Bank of America*	4.875%	5.037% APR	1.125% Fee
Wells Fargo	5.125%	5.85% APR	1% Fee
Chase

The following additional disclosures apply

• *APR calculation does not include FHA Mortgage Insurance Premium which required by FHA.
• Central Banc's FHA rates are based on 96.5 LTV (3.5% down payment) on purchases and 97.75 LTV on Refinances. Bank of America's rates are based on 80% (20% down payment) LTV on Purchases and Refinances.
• The Annual Percentage Rate (APR) is based on representative loan amount for stated term*and includes points listed.
• Points include any origination and discount fees.
• These special rates are not guaranteed until lock-in.
• Rates and terms are subject to change without notice. Interest rates assume credit history in good standing.
• All loan applications subject to credit and property approval. Flood and/or property hazard insurance may be required. Additional fees and closing costs apply.
• For adjustable-rate mortgages, rates are subject to increase after the initial fixed-rate period.
• Assumes no subordinate financing.
• Maximum loan limits and minimum equity/down payment requirements apply.
• Other restrictions may apply.
• Additional rates and programs are available.
• Rates published are generated from, www.bankofamerica.com, www.wellsfargo.com, and www.chase.com

Once you have completed this expression of interest (our information request form) your information will be sent to our qualified mortgage bankers. One or more of our qualified mortgage bankers will contact you by telephone. By submitting your expression of interest you are consenting to receive telephone calls from our qualified mortgage bankers even if you are currently on the do not call list.